{"id":472310,"date":"2023-01-10T14:43:15","date_gmt":"2023-01-10T14:43:15","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?page_id=472310"},"modified":"2026-04-09T17:08:10","modified_gmt":"2026-04-09T16:08:10","slug":"kids-bank-accounts-how-to-help-your-kids-spend-and-save","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/banking\/childrens-banking\/kids-bank-accounts-how-to-help-your-kids-spend-and-save","title":{"rendered":"Children&#8217;s bank accounts: How to help your kids spend and save"},"content":{"rendered":"<div class=\"youtube-videos\" data-json=\"{&quot;data&quot;:[{&quot;id&quot;:&quot;ws7jPP8o5UA&quot;,&quot;title&quot;:&quot;We Made A Board Game! Who Can Save More?&quot;,&quot;publishedAt&quot;:&quot;2026-04-02T10:22:33Z&quot;,&quot;thumb&quot;:&quot;https:\\\/\\\/i.ytimg.com\\\/vi\\\/ws7jPP8o5UA\\\/maxresdefault.jpg&quot;,&quot;duration&quot;:&quot;11:49&quot;},{&quot;id&quot;:&quot;Zy5_fRHFFvQ&quot;,&quot;title&quot;:&quot;Kids vs Adults Quiz: Kids' Cost of Living&quot;,&quot;publishedAt&quot;:&quot;2026-03-10T15:16:48Z&quot;,&quot;thumb&quot;:&quot;https:\\\/\\\/i.ytimg.com\\\/vi\\\/Zy5_fRHFFvQ\\\/maxresdefault.jpg&quot;,&quot;duration&quot;:&quot;7:36&quot;},{&quot;id&quot;:&quot;NsNTCsVrJAE&quot;,&quot;title&quot;:&quot;A Trip Down Money Memory Lane&quot;,&quot;publishedAt&quot;:&quot;2026-03-02T13:24:47Z&quot;,&quot;thumb&quot;:&quot;https:\\\/\\\/i.ytimg.com\\\/vi\\\/NsNTCsVrJAE\\\/maxresdefault.jpg&quot;,&quot;duration&quot;:&quot;9:59&quot;},{&quot;id&quot;:&quot;HPkc8p7Q48k&quot;,&quot;title&quot;:&quot;Explain Like I'm 5: Money Terms&quot;,&quot;publishedAt&quot;:&quot;2026-02-24T11:50:43Z&quot;,&quot;thumb&quot;:&quot;https:\\\/\\\/i.ytimg.com\\\/vi\\\/HPkc8p7Q48k\\\/maxresdefault.jpg&quot;,&quot;duration&quot;:&quot;12:02&quot;},{&quot;id&quot;:&quot;zB5wrFEZILg&quot;,&quot;title&quot;:&quot;Kids vs Adults Quiz: The General Knowledge Challenge&quot;,&quot;publishedAt&quot;:&quot;2025-11-12T14:48:39Z&quot;,&quot;thumb&quot;:&quot;https:\\\/\\\/i.ytimg.com\\\/vi\\\/zB5wrFEZILg\\\/maxresdefault.jpg&quot;,&quot;duration&quot;:&quot;10:20&quot;}],&quot;layout&quot;:{&quot;direction&quot;:&quot;vertical&quot;,&quot;theme&quot;:&quot;light&quot;,&quot;splitTitle&quot;:false,&quot;showArrows&quot;:false},&quot;active&quot;:{&quot;index&quot;:0,&quot;start&quot;:0,&quot;end&quot;:null,&quot;thumb&quot;:null,&quot;thumbAnimation&quot;:&quot;none&quot;,&quot;smallTitle&quot;:null,&quot;mainTitle&quot;:null},&quot;playerOptions&quot;:{&quot;autoplay&quot;:false,&quot;captions&quot;:false,&quot;mute&quot;:false,&quot;popup&quot;:false},&quot;subscribe&quot;:{&quot;url&quot;:null,&quot;title&quot;:null,&quot;visibleOnPopup&quot;:false,&quot;visibleOnMain&quot;:false},&quot;source&quot;:&quot;source-finder&quot;}\"><\/div><div id=\"challenge\"><article id=\"report\" class=\"luna-card luna-card--alt\">\n<div class=\"luna-card__block has-margin-xsmall\">\n<div class=\"u-grid u-grid--alignMiddle\">\n<div class=\"u-grid__col u-1\/3@s text-center u-grid__col--orderLast@s\"><img decoding=\"async\" class=\"has-padding-top-xsmall has-padding-bottom-xsmall\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2026\/04\/Stash-or-Splash-Downloadable-PDF.jpg\" width=\"250\" alt=\"Finder whitepaper cover\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2026\/04\/Stash-or-Splash-Downloadable-PDF.jpg?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2026\/04\/Stash-or-Splash-Downloadable-PDF.jpg?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2026\/04\/Stash-or-Splash-Downloadable-PDF.jpg?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2026\/04\/Stash-or-Splash-Downloadable-PDF.jpg?fit=750 750w\" sizes=\"(max-width: 750px) 100vw, 750px\" loading=\"lazy\"><\/div>\n<div class=\"u-grid__col u-2\/3@s u-grid__col--orderFirst@s\">\n<h3 data-toc=\"false\">Stash or Splash: The Ultimate Kids' Saving Game<\/h3>\nPlayers learn to navigate real-world money scenarios from school club budgets to birthday gifts from nan and how interest can boost their savings. The objective? Finish the game with as much money as possible! Watch the video above to see the game in action, and click below to download the instructions, game board, cards and cash!\n<div class=\"has-padding-top-xsmall\">\n<a href=\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/3\/2026\/04\/stash_or_splash_downloadable_pdf.pdf\" class=\"luna-button luna-button--primary luna-button--large luna-button--fluid has-margin-bottom-xsmall\" target=\"_blank\" rel=\"noopener noreferrer\">Download your free copy<\/a>\n<div class=\"text-center\">\n<div class=\"js-socialShareModal__button socialShareModal socialShareModal--primary socialShareModal--withText\" style=\"margin: 0px auto 10px; display: inline-block;\">\n<button type=\"button\" class=\"luna-button js-modal-trigger\" data-modal-id=\"modal-5fdb53c41311e\" style=\"background-color: #232230; border: 1px solid #232320; border-radius: 12px;\"><span style=\"display: block;\">Share<\/span><\/button>\n<div class=\"modal-root\">\n<link rel=\"stylesheet\" 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rel=\"noopener noreferrer\">\n<span class=\"luna-list__prefix\">\n<svg class=\"luna-icon footer__socialIconF1 no-padding-right\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 24 24\" width=\"24\" style=\"fill: #232320;\"><use xlink:href=\"#icon-linkedin\"><\/use><\/svg>\n<\/span>\n<span class=\"luna-list__content\" data-social-channel=\"\">LinkedIn<\/span>\n<\/a>\n<\/li>\n<li class=\"luna-list__item\">\n<div class=\"socialShareModal__copy\" data-children-count=\"2\">\n<div class=\"luna-inset luna-inset--small\" data-sharebutton=\"\" data-children-count=\"1\">\n<input readonly class=\"luna-input\" type=\"text\" value=\"\" data-social-link=\"\"><button class=\"luna-inset__action\" type=\"button\" data-social-channel=\"\" data-children-count=\"0\">Copy<\/button>\n<\/div>\n<input readonly class=\"luna-input\" type=\"text\" value=\"\" data-sharebutton-copy-link=\"\">\n<span class=\"luna-form__feedback\">Copied to 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u-1\/2@s u-1\/3@m no-padding-bottom\"><div class=\"has-padding-bottom-x-small\"><a href=\"#saving\" class=\"scroll luna-button luna-button--primary luna-button--fluid\" type=\"button\">Children\u2019s savings<\/a><\/div><\/div><div class=\"u-grid__col u-1\/1 u-1\/2@s u-1\/3@m no-padding-bottom\"><div class=\"has-padsding-bottom-x-small\"><a href=\"#invest\" class=\"scroll luna-button luna-button--primary luna-button--fluid\" type=\"button\">Saving &amp; investing for their future<\/a><\/div><\/div><\/div><\/div><\/article><h3>Meet Finder\u2019s banking experts<\/h3><div class=\"u-grid u-grid--gutterMedium\"><div class=\"u-grid__col u-1\/6@s u-1\/3\"><p><img decoding=\"async\" class=\"luna-avatar\" src=\"https:\/\/secure.gravatar.com\/avatar\/34b989ab8b71f6a34795603b04c17694?s=96&amp;d=mm&amp;r=g\" alt=\"profile image\" loading=\"lazy\"><\/p><p><b><a href=\"https:\/\/www.finder.com\/uk\/author\/katesteere\">Kate Steere<\/a><\/b><br><i style=\"font-size: 14px;\">Editor<\/i><\/p><\/div><div class=\"u-grid__col u-1\/6@s u-1\/3\"><p><img decoding=\"async\" class=\"luna-avatar\" src=\"https:\/\/secure.gravatar.com\/avatar\/e508999a54adb8df15ba4faee5a411f3?s=96&amp;d=mm&amp;r=g\" alt=\"profile image\" loading=\"lazy\"><\/p><p><b><a href=\"https:\/\/www.finder.com\/uk\/author\/mattboyle\">Matthew Boyle<\/a><\/b><br><i style=\"font-size: 14px;\">Banking publisher<\/i><\/p><\/div><div class=\"u-grid__col u-1\/6@s u-1\/3\"><p><img decoding=\"async\" class=\"luna-avatar\" src=\"https:\/\/secure.gravatar.com\/avatar\/8f48155050e902a842eea12eb3c7bc9b?s=192&amp;r=g\" alt=\"profile image\" loading=\"lazy\"><\/p><p><b><a href=\"https:\/\/www.finder.com\/uk\/author\/louisebastock\">Louise Bastock<\/a><\/b><br><i style=\"font-size: 14px;\">Editor &amp; video lead<\/i><\/p><\/div><div class=\"u-grid__col u-1\/6@s u-1\/3\"><p><img decoding=\"async\" class=\"luna-avatar\" src=\"https:\/\/secure.gravatar.com\/avatar\/4333fde21e49fe4e30229e50995cb86c?s=96&amp;d=mm&amp;r=g\" alt=\"profile image\" loading=\"lazy\"><\/p><p><b><a href=\"https:\/\/www.finder.com\/uk\/author\/michellestevens\">Michelle Stevens<\/a><\/b><br><i style=\"font-size: 14px;\">Deputy editor<\/i><\/p><\/div><div class=\"u-grid__col u-1\/6@s u-1\/3\"><p><img decoding=\"async\" class=\"luna-avatar\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2022\/05\/georgesweeney_Finder_600x600.jpg\" alt=\"profile image\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2022\/05\/georgesweeney_Finder_600x600.jpg?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2022\/05\/georgesweeney_Finder_600x600.jpg?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2022\/05\/georgesweeney_Finder_600x600.jpg?fit=600 600w\" sizes=\"(max-width: 600px) 28vw, 600px\" loading=\"lazy\"><\/p><p><b><a href=\"https:\/\/www.finder.com\/uk\/author\/georgesweeney\">George Sweeney DipFA<\/a><\/b><br><i style=\"font-size: 14px;\">Deputy editor<\/i><\/p><\/div><div class=\"u-grid__col u-1\/6@s u-1\/3\"><p><img decoding=\"async\" class=\"luna-avatar\" src=\"https:\/\/secure.gravatar.com\/avatar\/f5cb642fc9e4c09b1bdf1075b91e8f8a?s=96&amp;d=mm&amp;r=g\" alt=\"profile image\" loading=\"lazy\"><\/p><p><b><a href=\"https:\/\/www.finder.com\/uk\/author\/lizedwards\">Liz Edwards<\/a><\/b><br><i style=\"font-size: 14px;\">Editor-in-chief<\/i><\/p><\/div><\/div><div class=\"fin-text-light-grey text-xx-small text-center\"><strong>AS SEEN ON:<\/strong><\/div><div class=\"u-grid u-grid--gutterCollapse has-margin-bottom-large\"><div class=\"u-grid__col u-1\/3@s\"><div class=\"u-grid u-grid--gutterCollapse\"><div class=\"u-grid__col u-1\/3 has-padding-small no-padding-bottom\"><img decoding=\"async\" title=\"Image: Supplied\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2021\/07\/times_130_80_a8b0b7.png\" alt=\"The Times logo\" width=\"130\" height=\"80\" class=\"aligncenter size-full wp-image-405333\" style=\"margin: 0px !important;\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2021\/07\/times_130_80_a8b0b7.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2021\/07\/times_130_80_a8b0b7.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2021\/07\/times_130_80_a8b0b7.png?fit=390 390w\" sizes=\"(max-width: 390px) 28vw, 390px\" loading=\"lazy\"><\/div><div class=\"u-grid__col u-1\/3 has-padding-small no-padding-bottom\"><img decoding=\"async\" title=\"Image: Supplied\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2021\/07\/economist_130_80_a8b0b7.png\" alt=\"The Economist logo\" width=\"130\" height=\"80\" class=\"aligncenter size-full wp-image-405326\" style=\"margin: 0px !important;\" 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https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2021\/07\/financialtimes_130_80_a8b0b7.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2021\/07\/financialtimes_130_80_a8b0b7.png?fit=390 390w\" sizes=\"(max-width: 390px) 28vw, 390px\" loading=\"lazy\"><\/div><\/div><\/div><div class=\"u-grid__col u-1\/3@s\"><div class=\"u-grid u-grid--gutterCollapse\"><div class=\"u-grid__col u-1\/3 has-padding-small no-padding-bottom\"><img decoding=\"async\" title=\"Image: Supplied\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2021\/07\/forbes_130_80_a8b0b7.png\" alt=\"Forbes logo\" width=\"130\" height=\"80\" class=\"aligncenter size-full wp-image-405328\" style=\"margin: 0px !important;\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2021\/07\/forbes_130_80_a8b0b7.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2021\/07\/forbes_130_80_a8b0b7.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2021\/07\/forbes_130_80_a8b0b7.png?fit=390 390w\" sizes=\"(max-width: 390px) 28vw, 390px\" loading=\"lazy\"><\/div><div class=\"u-grid__col u-1\/3 has-padding-small no-padding-bottom\"><img decoding=\"async\" title=\"Image: Supplied\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2021\/07\/guardian_130_80_a8b0b7.png\" alt=\"The Guardian logo\" width=\"130\" height=\"80\" class=\"aligncenter size-full wp-image-405329\" style=\"margin: 0px !important;\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2021\/07\/guardian_130_80_a8b0b7.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2021\/07\/guardian_130_80_a8b0b7.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2021\/07\/guardian_130_80_a8b0b7.png?fit=390 390w\" sizes=\"(max-width: 390px) 28vw, 390px\" loading=\"lazy\"><\/div><div class=\"u-grid__col u-1\/3 has-padding-small no-padding-bottom\"><img decoding=\"async\" title=\"Image: Supplied\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2021\/07\/reuters_130_80_a8b0b7.png\" alt=\"Reuters logo\" width=\"130\" height=\"80\" class=\"aligncenter size-full wp-image-405330\" style=\"margin: 0px !important;\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2021\/07\/reuters_130_80_a8b0b7.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2021\/07\/reuters_130_80_a8b0b7.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2021\/07\/reuters_130_80_a8b0b7.png?fit=390 390w\" sizes=\"(max-width: 390px) 28vw, 390px\" loading=\"lazy\"><\/div><\/div><\/div><div class=\"u-grid__col u-1\/3@s\"><div class=\"u-grid u-grid--gutterCollapse\"><div class=\"u-grid__col u-1\/3 has-padding-small no-padding-bottom\"><img decoding=\"async\" title=\"Image: Supplied\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2021\/07\/skynews_130_80_a8b0b7.png\" alt=\"Sky News logo\" width=\"130\" height=\"80\" class=\"aligncenter size-full wp-image-405331\" style=\"margin: 0px !important;\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2021\/07\/skynews_130_80_a8b0b7.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2021\/07\/skynews_130_80_a8b0b7.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2021\/07\/skynews_130_80_a8b0b7.png?fit=390 390w\" sizes=\"(max-width: 390px) 28vw, 390px\" loading=\"lazy\"><\/div><div class=\"u-grid__col u-1\/3 has-padding-small no-padding-bottom\"><img decoding=\"async\" title=\"Image: Supplied\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2021\/07\/bbcnews_130_80_a8b0b7.png\" alt=\"BBC logo\" width=\"130\" height=\"80\" class=\"aligncenter size-full wp-image-405325\" style=\"margin: 0px !important;\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2021\/07\/bbcnews_130_80_a8b0b7.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2021\/07\/bbcnews_130_80_a8b0b7.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2021\/07\/bbcnews_130_80_a8b0b7.png?fit=390 390w\" sizes=\"(max-width: 390px) 28vw, 390px\" loading=\"lazy\"><\/div><div class=\"u-grid__col u-1\/3 has-padding-small no-padding-bottom\"><img decoding=\"async\" title=\"Image: Supplied\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2021\/07\/thisismoney_130_80_a8b0b7.png\" alt=\"This is Money logo\" width=\"130\" height=\"80\" class=\"aligncenter size-full wp-image-405332\" style=\"margin: 0px !important;\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2021\/07\/thisismoney_130_80_a8b0b7.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2021\/07\/thisismoney_130_80_a8b0b7.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2021\/07\/thisismoney_130_80_a8b0b7.png?fit=390 390w\" sizes=\"(max-width: 390px) 28vw, 390px\" loading=\"lazy\"><\/div><\/div><\/div><\/div><h3 class=\"luna-sectionTitle\" id=\"start\">Children\u2019s spending: What you need to know<\/h3><p>RIP piggy bank. Most kids over the age of 10 now use some sort of app to manage their money. When we polled 1,000 kids aged 10 to 15 in 2021, we found that 3 in 5 used either a banking app or a pocket money app like GoHenry or Rooster Money.<\/p><p>Children\u2019s pocket money apps, and the colourful debit cards that go with them, really took off in 2021 and they\u2019re not just for older kids. Both GoHenry and Rooster Money, along with another brand, nimbl, aim their cards at age 6+ while Osper\u2019s cards are for age 8+.<\/p><p>While the apps tend to have more interesting, and educational, features than your banking app offers, the main differences between these apps and a plain, old bank account are the parental controls and notifications, the ability for kids to earn money by doing chores, and the subscription cost. Children\u2019s pocket money cards and apps cost a few pounds a month, while a child\u2019s bank account is generally free. Pocket money apps typically offer a free trial, though.<\/p><p>Two challenger banking brands \u2013 Revolut and Starling Bank \u2013 offer a dedicated children\u2019s app with a card and many of the features of their pocket money app rivals. And NatWest recently bought Rooster Money, so the gap is narrowing. But we\u2019ve set out the main differences between bank accounts and pocket money apps below.<\/p><p><a href=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2020\/08\/kid-debit-card.png\" target=\"_blank\" rel=\"noopener noreferrer\"><img decoding=\"async\" title=\"Image: Supplied\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2020\/08\/kid-debit-card.png\" alt=\"Kid debit cards\" width=\"600\" height=\"1247\" class=\"aligncenter size-full wp-image-277921\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2020\/08\/kid-debit-card.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2020\/08\/kid-debit-card.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2020\/08\/kid-debit-card.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2020\/08\/kid-debit-card.png?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2020\/08\/kid-debit-card.png?fit=1200 1200w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2020\/08\/kid-debit-card.png?fit=1800 1800w\" sizes=\"(max-width: 1800px) 100vw, 1800px\" loading=\"lazy\"><\/a><\/p><ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000000\" data-toggle=\"collapse\" data-target=\"#accordion0000000000\">\n        <span class=\"luna-accordion__title\">Jargon explained<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000000\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><ul><li><b>Pocket money apps<\/b> Also called \u201cchildren\u2019s debit cards\u201d and \u201cchildren\u2019s prepaid cards\u201d, these are subscription products that offer a spending card and an app that allows parents to see and control a child\u2019s spending.<\/li><li><b>FSCS<\/b> The <a href=\"https:\/\/www.finder.com\/uk\/banking\/what-is-the-fscs\">Financial Services Compensation Scheme<\/a> kicks in if you\u2019ve deposited money in a bank that\u2019s in the scheme and it goes bust. Under the scheme, you get your money back, but only up to \u00a3120,000.<\/li><\/ul><\/div>\n  <\/div>\n<\/li><\/ul><div class=\"u-grid\"><div class=\"u-grid__col u-1\/3@s\"><a class=\"sectionCard luna-card luna-card--border luna-card--stretch\" href=\"https:\/\/www.finder.com\/uk\/debit-cards-for-kids\">\n        <div class=\"luna-card__block\">\n          <h4 class=\"sectionCard__title\">Debit cards for kids<\/h4>\n          <p>The pros &amp; cons of each card, and who it might suit<\/p>\n        <\/div>\n        <div class=\"luna-card__figure\">\n          <img decoding=\"async\" class=\"luna-image\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2023\/01\/Kids-debit-cards.png\" alt=\"Debit cards for kids\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2023\/01\/Kids-debit-cards.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2023\/01\/Kids-debit-cards.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2023\/01\/Kids-debit-cards.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2023\/01\/Kids-debit-cards.png?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2023\/01\/Kids-debit-cards.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\">\n        <\/div>\n      <\/a><\/div><div class=\"u-grid__col u-1\/3@s\"><a class=\"sectionCard luna-card luna-card--border luna-card--stretch\" href=\"https:\/\/www.finder.com\/uk\/bank-accounts-for-kids\">\n        <div class=\"luna-card__block\">\n          <h4 class=\"sectionCard__title\">Bank accounts for kids<\/h4>\n          <p>The best accounts for children, and what each one offers<\/p>\n        <\/div>\n        <div class=\"luna-card__figure\">\n          <img decoding=\"async\" class=\"luna-image\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2023\/01\/Bank-accounts-for-kids.png\" alt=\"Bank accounts for kids\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2023\/01\/Bank-accounts-for-kids.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2023\/01\/Bank-accounts-for-kids.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2023\/01\/Bank-accounts-for-kids.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2023\/01\/Bank-accounts-for-kids.png?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2023\/01\/Bank-accounts-for-kids.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\">\n        <\/div>\n      <\/a><\/div><div class=\"u-grid__col u-1\/3@s\"><a class=\"sectionCard luna-card luna-card--border luna-card--stretch\" href=\"https:\/\/www.finder.com\/uk\/best-bank-account-for-teens\">\n        <div class=\"luna-card__block\">\n          <h4 class=\"sectionCard__title\">Bank accounts for teens<\/h4>\n          <p>How teen accounts are different, plus top accounts\u2019 pros &amp; cons<\/p>\n        <\/div>\n        <div class=\"luna-card__figure\">\n          <img decoding=\"async\" class=\"luna-image\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2023\/01\/Bank-accounts-for-teens.png\" alt=\"Bank accounts for teens\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2023\/01\/Bank-accounts-for-teens.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2023\/01\/Bank-accounts-for-teens.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2023\/01\/Bank-accounts-for-teens.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2023\/01\/Bank-accounts-for-teens.png?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2023\/01\/Bank-accounts-for-teens.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\">\n        <\/div>\n      <\/a><\/div><\/div><h3 class=\"luna-sectionTitle\" id=\"saving\">Children\u2019s savings: What you need to know<\/h3><p>It\u2019s never too early to start a savings habit. Children\u2019s savings accounts are slightly different from their adult counterparts as they can only be opened by the child\u2019s parent or legal guardian. You\u2019ll typically also get a higher rate of interest, as banks want to establish a relationship with customers from an early age in the hope they stay on into adulthood.  <\/p><h4>What types of children\u2019s savings accounts are there?<\/h4><p>There are several. Picking the right one will depend on several factors. What kind of access do you or your child want? What are they saving for? Are you looking to earn a high rate of interest? Are you depositing a hefty sum or planning to so that tax might be a consideration?<\/p><p>The most common types of children\u2019s savings accounts are regular savings accounts, easy access savings accounts, fixed bonds and junior ISAs (which are tax-free but have an annual limit). There\u2019s also the option to take out Premium Bonds for your child. These offer the chance to win tax-free prizes each month rather than earn interest. <\/p><h4>Do children\u2019s pocket money apps offer savings accounts?<\/h4><p>Several pocket money apps have a savings section, but this is typically just an area on the app where your child can set aside money, not a savings account. But as digital banking evolves, these could become interest-paying accounts. <\/p><h4>How much control will my child have over their savings?<\/h4><p>Access will depend on your child\u2019s age, the account type and the terms of the account you choose. Generally, the older the child, the more control they can have over their savings. However, if you open a junior ISA for your child, neither you nor they can touch the money until they turn 18.<\/p><h4>What happens to a children\u2019s savings account when my child turns 18?<\/h4><p>Most accounts will be converted to regular instant-access savings accounts when your child turns 18 years old. The provider will normally contact you and your child in advance to explain the new terms that apply to the account. <\/p><p>If the account is a junior ISA, it will become an adult ISA and the tax-free benefits will remain as long as the account isn\u2019t closed and you stay within the annual tax-free deposit limit. More on junior ISAs below.<\/p><ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000001\" data-toggle=\"collapse\" data-target=\"#accordion0000000001\">\n        <span class=\"luna-accordion__title\">Jargon explained<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000001\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><ul><li><b>Children\u2019s savings accounts<\/b> Accounts designed for children and their families to add money to. These accounts typically offer a decent interest rate on savings and aren\u2019t designed to be used for making purchases.<\/li><li><b>Premium Bonds<\/b> These are a popular type of savings account offered by NS&amp;I. Instead of getting interest, you are entered into a monthly prize draw where you can win between \u00a325 and \u00a31 million tax free. You might win big\u2026but you might get nothing. You can withdraw your money when you want to, and the scheme is backed by the UK government. You have to be aged 16 or over to buy Premium Bonds, but parents or guardians can hold them in the name of a child under 16.<\/li><\/ul><\/div>\n  <\/div>\n<\/li><\/ul><div class=\"u-grid\"><div class=\"u-grid__col u-1\/3@s\"><a class=\"sectionCard luna-card luna-card--border luna-card--stretch\" href=\"https:\/\/www.finder.com\/uk\/junior-stocks-and-shares-isas\">\n        <div class=\"luna-card__block\">\n          <h4 class=\"sectionCard__title\">Junior stocks &amp; shares ISAs<\/h4>\n          <p>Compare fees &amp; features for investing JISAs from major providers<\/p>\n        <\/div>\n        <div class=\"luna-card__figure\">\n          <img decoding=\"async\" class=\"luna-image\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2023\/01\/JISAs-stocks-and-shares.png\" alt=\"Junior stocks &amp; shares ISAs\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2023\/01\/JISAs-stocks-and-shares.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2023\/01\/JISAs-stocks-and-shares.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2023\/01\/JISAs-stocks-and-shares.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2023\/01\/JISAs-stocks-and-shares.png?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2023\/01\/JISAs-stocks-and-shares.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\">\n        <\/div>\n      <\/a><\/div><div class=\"u-grid__col u-1\/3@s\"><a class=\"sectionCard luna-card luna-card--border luna-card--stretch\" href=\"https:\/\/www.finder.com\/uk\/savings-accounts-for-grandchildren\">\n        <div class=\"luna-card__block\">\n          <h4 class=\"sectionCard__title\">Savings accounts for grandchildren<\/h4>\n          <p>Find out your options for saving for your grandchildren\u2019s future<\/p>\n        <\/div>\n        <div class=\"luna-card__figure\">\n          <img decoding=\"async\" class=\"luna-image\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2023\/01\/Savings-accounts-for-grandchildren.png\" alt=\"Savings accounts for grandchildren\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2023\/01\/Savings-accounts-for-grandchildren.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2023\/01\/Savings-accounts-for-grandchildren.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2023\/01\/Savings-accounts-for-grandchildren.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2023\/01\/Savings-accounts-for-grandchildren.png?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2023\/01\/Savings-accounts-for-grandchildren.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\">\n        <\/div>\n      <\/a><\/div><div class=\"u-grid__col u-1\/3@s\"><a class=\"sectionCard luna-card luna-card--border luna-card--stretch\" href=\"https:\/\/www.finder.com\/uk\/premium-bond-alternatives\">\n        <div class=\"luna-card__block\">\n          <h4 class=\"sectionCard__title\">Premium Bond alternatives<\/h4>\n          <p>Premium Bonds aren\u2019t the only accounts with a prize draw. Find out alternatives<\/p>\n        <\/div>\n        <div class=\"luna-card__figure\">\n          <img decoding=\"async\" class=\"luna-image\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2023\/01\/Premium-bond-alternatives-e1732103297583.png\" alt=\"Premium Bond alternatives\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2023\/01\/Premium-bond-alternatives-e1732103297583.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2023\/01\/Premium-bond-alternatives-e1732103297583.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2023\/01\/Premium-bond-alternatives-e1732103297583.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2023\/01\/Premium-bond-alternatives-e1732103297583.png?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2023\/01\/Premium-bond-alternatives-e1732103297583.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\">\n        <\/div>\n      <\/a><\/div><\/div><h3 class=\"luna-sectionTitle\" id=\"invest\">Saving &amp; investing for their future<\/h3><p>In a bid to encourage parents to save for their kids\u2019 future, the government offers tax incentives through junior ISA (JISA) accounts for kids. These are long-term savings accounts and as long as you deposit no more than the annual maximum (\u00a39,000 in the tax year ending April 2023), the returns you get are tax free.<\/p><p>There are 2 types: cash JISAs and stocks and shares JISAs. The latter is an investment and your capital is at risk, as with any investment, but your returns could be bigger than those in a cash JISA. The money is locked up until the child turns 18, and it belongs to the child. A child can have one or both types of ISA.<\/p><h3 class=\"luna-sectionTitle\" id=\"invest\">Children\u2019s banking resources<\/h3><ul><li>Children\u2019s savings calculator. If your child is saving for something in particular, say a new bike or a video game, you can use this calculator to work out how long they will need to save for.<\/li><\/ul>\n\n<article class=\"luna-card luna-card--border\">\n<div class=\"luna-card__block\">\n<form class=\"luna-form\" onsubmit=\"return false\">\n<fieldset class=\"luna-form__fieldset\">\n<legend class=\"luna-legend\">Kids' savings calculator<\/legend>\n\n\n\n\n<div class=\"luna-form__group\">\n<div class=\"luna-form__field\">\n<label class=\"luna-label luna-label--fluid\" for=\"ukfininput1\">Input your current savings<\/label>\n<div class=\"luna-affix\">\n<span class=\"luna-affix__label\">\u00a3<\/span>\n<input class=\"luna-input\" type=\"number\" step=\"any\" placeholder=\"Please input your current savings to the nearest \u00a3\" id=\"ukfininput1\">\n<\/div>\n<\/div>\n<\/div>\n\n<div class=\"luna-form__group\">\n<div class=\"luna-form__field\">\n<label class=\"luna-label luna-label--fluid\" for=\"ukfininput2\">Input your interest rate<\/label>\n<div class=\"luna-affix\">\n<span class=\"luna-affix__label\">%<\/span>\n<input class=\"luna-input\" type=\"number\" step=\"any\" placeholder=\"Please input your annual interest rate\" id=\"ukfininput2\">\n<\/div>\n<\/div>\n<\/div>\n\n<div class=\"luna-form__group\">\n<div class=\"luna-form__field\">\n<label class=\"luna-label luna-label--fluid\" for=\"ukfininput3\">Input your monthly contributions<\/label>\n<div class=\"luna-affix\">\n<span class=\"luna-affix__label\">\u00a3<\/span>\n<input class=\"luna-input\" type=\"number\" step=\"any\" placeholder=\"Please input your planned monthly contributions\" id=\"ukfininput3\">\n<\/div>\n<\/div>\n<\/div>\n\n<div class=\"luna-form__group\">\n<div class=\"luna-form__field\">\n<label class=\"luna-label luna-label--fluid\" for=\"ukfininput4\">Input your savings goal<\/label>\n<div class=\"luna-affix\">\n<span class=\"luna-affix__label\">\u00a3<\/span>\n<input class=\"luna-input\" type=\"number\" step=\"any\" placeholder=\"Please input your savings goal\" id=\"ukfininput4\">\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"luna-form__group\">\n<div class=\"luna-form__actions\">\n<button class=\"luna-button luna-button--primary\" onclick=\"showResults();\">Calculate<\/button>\n<\/div>\n<\/div>\n\n\n\n\n\n\n\n<\/fieldset>\n<\/form>\n\n\n\n\n\n\n\n\n\n\n<article class=\"luna-card luna-card--alt has-margin-top-small\">\n<div class=\"luna-card__block text-x-large\"><p id=\"resultmessage\">Find out how many more months you need to save to reach your desired savings goal<\/p>\n<\/div>\n<\/article>\n<\/div>\n<\/article>\n\n\n\n\n\n\n\n\n\n\n<script>\nfunction showResults() {\n var current = parseFloat(document.getElementById(\"ukfininput1\").value) || 0;\n  var interest = parseFloat(document.getElementById(\"ukfininput2\").value) \/ 1200 || 0;\n  var plan = parseFloat(document.getElementById(\"ukfininput3\").value)|| 0;\n  var goal = parseFloat(document.getElementById(\"ukfininput4\").value)|| 0;\n  var n = 0;\n  var tolerance = 0.0001;\n\n  if (current === goal) {\n    var resultmessage = document.getElementById(\"resultmessage\");\n    resultmessage.innerHTML = 'Congratulations! You have already reached your savings goal!';\n    return;\n  }\n\nif (interest === 0 && plan === 0 && goal > 0) {\n    var resultmessage = document.getElementById(\"resultmessage\");\n    resultmessage.innerHTML = 'You cannot reach your savings goal with no interest and no planned contributions.';\n    return;\n  }\n\n\n\n  if (interest !== 0) {\n    var diff = goal - current;\n    while (diff > tolerance) {\n      n++;\n      var totalSavings = current * Math.pow(1 + interest, n) + plan * ((Math.pow(1 + interest, n + 1) - Math.pow(1 + interest, 1)) \/ interest);\n      diff = goal - totalSavings;\n      if (n > 1000) {\n        break;\n      }\n    }\n  } else {\n    n = (goal - current) \/ plan;\n  }\n\n  var calculatedresult = Math.ceil(n);\n\n  var resultmessage = document.getElementById(\"resultmessage\");\n  resultmessage.innerHTML = 'You will need to save for ' + calculatedresult + ' months to reach your savings goal.';\n\n}\n\n\n\n<\/script>\n<ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000002\" data-toggle=\"collapse\" data-target=\"#accordion0000000002\">\n        <span class=\"luna-accordion__title\">Jargon explained<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000002\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><ul><li><b>Junior ISA<\/b> JISAs are long-term, tax-free savings accounts holding money that belongs to a child, with no access until they turn 18.<\/li><li><b>Child trust funds<\/b> CTFs are long-term, tax-free savings accounts for kids born between 1 September 2002 and 2 January 2011. After this point, providers offered JISAs instead.<\/li><\/ul><\/div>\n  <\/div>\n<\/li><\/ul><article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\"><p>All investing should be regarded as longer term. The value of your investments can go up and down, and you may get back less than you invest. Past performance is no guarantee of future results. If you\u2019re not sure which investments are right for you, please seek out a financial adviser. Capital at risk.<\/p><\/div><\/article><br><article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block\">The tax you need to pay depends on your individual circumstances and can change over time. This content is for information only - it's not tax advice. You're responsible for carrying out your own checks and for getting professional advice before making financial decisions.<\/div><\/article>","protected":false},"excerpt":{"rendered":"<p>Browse through our children&#8217;s banking guides and resources designed to help you teach your child about money.<\/p>\n","protected":false},"author":1329,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_cover_media_provider":"image","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_cover_video_id":0,"apple_news_cover_video_url":"","apple_news_cover_embedwebvideo_url":"","apple_news_is_hidden":"","apple_news_is_paid":"","apple_news_is_preview":"","apple_news_is_sponsored":"","apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":[],"apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"nicheCode":"","productId":"","enableOptimizely":false,"_persistent_nav_menu_items":[],"blockTemplateId":"","_post_hreflang":"en","related_url":"\/kids-bank-accounts-how-to-help-your-kids-spend-and-save","workflow-intro":"","workflow-faq":"","workflow-conclusion":"","workflow-benefits":"","workflow-overview":"","workflow-test":"","footnotes":""},"categories":[121401],"tags":[2560],"asset_tag":[],"class_list":["post-472310","post","type-post","status-publish","format-standard","hentry","category-childrens-banking","tag-latest-2"],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.9 (Yoast SEO v24.9) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Children&#039;s bank accounts: Help your kids spend and save<\/title>\n<meta name=\"description\" content=\"Guides and resources to help you teach your child about money and save for their future. 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